Discovering the right health plan entails a delicate balance of extensive coverage and competitive pricing. Moreover, the availability of a diverse range of insurance plans to cater to varying needs is necessary. Our quick guide makes finding the perfect insurance plan for you simple. Here are the ten best health insurance companies in Dubai to meet your medical requirements.
Top 10 Health Insurance Companies in Dubai
1. Adamjee Insurance
Adamjee Insurance provides insurance coverage for all those who live in the UAE on a valid resident visa, including their immediate family members. Their services encompass a massive spectrum of health services, from comprehensive inpatient treatments to dedicated care for chronic conditions.
Key Points:
- Exact expenses incurred in times of emergencies
- Up to 90 days coverage beyond UAE borders
- Yearly combined limit of AED 1,000,000/- collectively covers all benefits and sub-limits
- The coverage for pre-existing and chronic conditions is underpinned by a substantial sub-limit, reaching AED 150,000/- for utmost support
- Coverage for emergency dental treatments, extending up to 15 sessions per member annually for exceptional dental support
- Maternity inpatient and outpatient coverage with pre and postnatal treatment
2. Aetna
Aetna International distinguishes itself by providing customized and exceptional health insurance plans for everyone. With a vast global outreach, their services extend to more than 55 million members worldwide.
Key Points:
- Yearly or short-term coverage, depending on your medical needs
- World-class Telehealth service for instant consultations whenever needed around the globe
- Outpatient coverage that spans a generous 90-day period, guaranteeing comprehensive support throughout the recovery journey
- Emergency treatments that include dental, maternity, and optical coverage
- Emergency medical evacuation and repatriation are covered in the policy
- Extensive 120-day recovery support for complete rehabilitation
- Their worldwide medical network grants access to 1.4 million medical providers
- Their global medical insurance presents coverage encompassing a substantial safeguard of up to $5 million
3. Cigna
Securing an astounding 13th position on the Fortune 500 list, Cigna Healthcare has earned this distinction through their delivery of premium services within Dubai.
Key Points:
- Improved customer experience with a huge range of digital solutions to access and manage health insurance plans, including online portals, EAP, and smartphone applications
- Advanced Telehealth service that facilitates immediate access to medical advice from healthcare professionals
- Established connections with approximately 3,000 healthcare facilities within the UAE and 5,000 throughout the Middle East region
- Have an impressive 86% customer satisfaction rating, attributed to their extensive customer care team, where the majority of calls are addressed within the initial 30 seconds, and an outstanding 75% of issues are resolved during the very first interaction
#4: Daman
Daman, a premier healthcare insurer in Dubai, serves citizens and residents, encompassing over 3,000 healthcare centers across the UAE.
Key Points:
- Diverse packages for holders of the Golden visa with options commencing at just AED 2,836 tailored to cater to their unique needs
- Their Telemedicine service connects you with a medical expert providing immediate phone-based support at your fingertips
- Consistently secured the top spot as the leading health insurer
- Trouble-free health insurance access through their special app offering free doctor consultations, claim submissions, doctor discovery, and so much more
- Exceptional and quick direct billing and in-house claims process
5. Dubai Insurance Company
Pioneering the insurance landscape, Dubai Insurance Company was the first national insurer founded in 1970.
Key Points:
- Awarded the Participating Insurer (PI Status) by Dubai Health Authority for the year 2022
- 50+ years of experience
- Basic plan starting at a pocket-friendly rate of 525 AED
- Extensive network boasts over 3,000 healthcare providers
- An impressive A- (Excellent) financial rating with a positive outlook from AM Best, alongside an A3 rating with a stable outlook from Moody’s.
- DubaiCare app, which makes all the processing and functioning of health insurance hassle-free, such as quick registration, immediate e-card request, claim submissions and reimbursements, instant certificate downloads, etc.
6. GIG Gulf
GIG Gulf, formerly known as AXA, establishes its presence with a vast network encompassing 3,000 healthcare centers within the UAE, and an extensive global reach with a staggering 800,000 providers.
Key Points:
- Round-the-clock support and free teleconsultation with certified doctors for expert advice before medical procedures.
- While abroad, they offer immediate medical aid and comprehensive travel coverage when local facilities fall short based on your condition
- In the unfortunate event of accidental demise, they provide a payout ranging from AED 25,000 to 150,000.
- Their Mygig app, which is specifically designed to meet all the needs of the policyholders within a few clicks
7. MetLife
MetLife offers personalised health insurance solutions in Dubai with plans ranging from fundamental coverage to advanced options. Further, they provide comprehensive pre- and post-customer support, ensuring a holistic healthcare experience.
Key Points:
- Earned numerous awards because of their outstanding services, including but not restricted to Life Insurance Company of the Year 2019 – Middle East Insurance Industry Awards, Health Insurer of the Year 2020 – MENA Insurance Awards, and Insurer of the Year 2021 – MENA IR Insurance Awards
- Recognized as Fortune World’s Most Admired Companies
- Cover 32 critical health conditions and offer cash payment of up to USD 500,000 for replacing lost income, paying bills, etc.
8. RAK Insurance
RAK Insurance provides plans that are carefully made to suit everyone’s coverage needs. They work with well-known partners to offer these services in Dubai. They use TruDoc for health insurance and their own Global Emergency Travel Assistance for travel insurance.
Key Points:
- Comprehensive coverage, ranging from outpatient treatments and inpatient care to medical evacuations and repatriations
- Absolute control with the complete freedom to select both your preferred doctor and medical facility
- Competitive price to accommodate a diverse range of budgets
9. Sukoon
Sukoon Health presents a wide array of personalized options for both individuals and businesses.
Key Points:
- Highly affordable as the plans start from just AED 560 annually
- A huge spectrum of plans, ranging from a cover limit of AED 150,000 to AED 5,000,000, to suit varying preferences and requirements.
- Complimentary 24×7 access to doctors through voice and video calls
- For businesses, they provide an extensive range of plans tailored to meet the needs of both small and large organizations
- Their healthcare insurance plan comes with LivFit, a program ready for you to use to begin your journey to wellness.
10. Takaful Emarat
Established in 2008, Takaful Emarat Insurance PSC, is a prominent provider of Shariah-compliant life and health insurance solutions. Notably, the company holds the authorization of the Dubai Health Authority and has earned the esteemed approval of the Central Bank of the UAE.
Key Points:
- Earned the UAE Insurer and Takaful Insurer of the Year Award 2018 because of their hassle-free process and on-time services
- Provide coverage for prescription drugs up to AED 15,000
- Offer up to 20 physiotherapy sessions per year
- Dental care of up to AED 3,000 with direct billing at network providers and optional eye treatment of up to AED 1,500.
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